09
Computer hardware and software for facilitating electronic
payment transactions over a wireless network, a global
computer network and/or mobile telecommunication devices;
computer hardware and software, in particular for local and
wide-range computer networks development, maintenance and
use; computer hardware and software including a digital
portfolio enabling the storing of customer account
information for accessing coupons, coupon codes, rebates, at
retailers and for obtaining loyalty or cash bonuses that can
be credited to their account; computer hardware and
software that facilitate the identification and
authentication of near-field communication devices and
radio-frequency identification devices; computer hardware
and software for encryption, keys for encryption, digital
certification, digital signatures, software for tamper-proof
data storage, for retrieval and transmission of confidential
information to customers used by individuals and financial
and banking institutions; computer operating programs,
recorded; downloadable computer programs and software
applications for mobile telephones and other digital devices
including a digital portfolio enabling users to access price
comparison information, product reviews, links to
third-party retail websites and discount information;
software (recorded programs); downloadable software;
computer software and computer programs
(downloadable/recorded computer software); computer
software for use of financial services, banking and
telecommunication industries; software for connecting to
memory cards using terminals and readers; computer hardware
and software (recorded/downloadable) for facilitating and
administering payments, transfers, credit cards, debit
cards, payment cards, ATMs, deposit of securities,
electronic funds transfer, electronic payments; computer
hardware and software (recorded/downloadable) for
facilitating and administering electronic processing and
transmission of payment data, cash payments, transaction
authentication, routing, authorization and payment, fraud
detection and control, disaster recovery and encryption;
software applications for use in conjunction with
contactless payment terminals enabling vendors to accept
contactless mobile business transactions, contactless
loyalty bonus presentations, contactless discount coupons,
discounts, rebates, vouchers and special offers; software
applications enabling vendors to deliver coupons, discounts,
rebates, vouchers and special offers directly from
consumers' mobile telecommunication devices delivered by
contactless communication; software applications enabling
vendors to deploy smart posters in retail and wholesale
locations, which consumers can capture with their mobile
telecommunication devices to access coupons, discounts,
rebates, vouchers and special offers issued by contactless
RFID or NFC communications; application software for
wireless devices; fixed and portable computer and
electronic apparatus and instruments for payment and
collection; electronic wallets; apparatus for monitoring,
managing and analyzing financial accounts via a global
computer network; integrated circuit chips for mobile
telephones and nfc and rfid devices; application software
for mobile telephones; computer chips embedded in
telephones and other communication devices; point-of-sale
transaction terminals and computer software for
transmission, display and storage of transactions, financial
and authentication information for use of financial
services, banking and telecommunication industries; computer
terminals; radio frequency identification devices
(transponders); computer peripheral devices and electronic
products, including calculators, pocket planners, mobile
telephones, telephone handsets, computer tablets, digital
readers and PDAs and alarms; electronic encryption units;
magnetic recording media; proximity payment devices;
encoders and decoders; downloadable electronic publications;
downloadable data files (written, audio, video, audiovisual,
multimedia); non-downloadable data files (written, audio,
video, audiovisual, multimedia); modems; printers,
including printers for information processing systems and
for financial transaction systems; computer hardware;
telecommunications equipment; coin-operated mechanisms;
cash registers; accounting machines; data processing
equipment; computers; mouse pads; magnetic cards for
commercial and financial use; secure encoded cards;
encoded cards containing security features for
authentication purposes; encoded cards containing security
features for identification purposes; cards impregnated
with holograms; encoded debit cards; encoded payment
cards; encoded cash cards; prepaid and rechargeable cards;
encoded bank cards; credit cards; microprocessor cards;
encoded cards linked to a securities custody account;
electronic data carrier cards; payment card readers;
readers for encoded magnetic cards; electronic data carrier
card readers; electronic verification apparatus for
authenticating rechargeable cards, bank cards, credit cards,
debit cards and payment cards; scientific, nautical,
monitoring, photographic, cinematographic, optical,
weighing, measuring, signaling, checking (supervision) and
teaching apparatus and instruments; apparatus and
instruments for conducting, switching, transforming,
accumulating, regulating or controlling electricity;
apparatus for recording, transmission and reproduction of
sound and images; systems for reading memory cards and
systems for reading stored data including integrated circuit
memories and bank card memories; recording discs, CDs, DVDs
and all other digital recording media; automatic ticket
dispensers; memory or microprocessor cards for commercial
and financial use; smart, memory or microprocessor loyalty
cards; encoded magnetic loyalty cards; interfaces (for
computers); computer hardware and software enabling access
to payment accounts, in particular for electronic and
wireless commerce; computer hardware and software for data
management; computer hardware and software for data
encryption, secure data storage, retrieval and transmission
of information, in particular customers, accounts and
transactions; software in particular in the field of
banking, financial affairs and commercial management;
software for managing financial transactions; software
applications for mobile telephones in particular in the
field of banking, financial affairs and commercial
management; application software; downloadable computer
software applications in particular in the field of banking,
financial affairs and commercial management; application
software downloaded via the Internet enabling rental,
financial leasing and lease-purchase financing of capital
goods; downloadable electronic publications
35
Commercial business management; commercial administration;
services provided by business consultants; commercial
business analysis; business research; business inquiries or
information; business assistance services to companies;
commercial business appraisal; customer account management;
accounting; computerized file management services; data
search in computer files; office functions; economic
information services for commercial purposes; commercial
information to customers concerning rental, financial
leasing and lease-purchase financing of capital goods;
provision of commercial information via computer databases;
data systematization in computer databases; collection and
compilation of data concerning capital goods; organization,
conducting (hosting) and management of consumer loyalty
programs; commercial loyalty services for customers (for
third parties), namely, promotional and advertising
operations for developing customer loyalty; commercial
promotion at points of sale (within companies or online
through national and international communication networks
such as the Internet, Intranet and Extranet); sales
promotion for others; presentation of goods and services on
any communication media for retail sale; retail services
provided by mobile telecommunication related to the
provision of credit and debit cards; retail services
provided online via networks or other electronic means using
electronically digitized information related to the
provision of credit and debit cards; arranging
subscriptions to loyalty programs; loyalty card services
not associated with a payment, credit or debit function,
providing commercial or financial benefits; administrative
and commercial management services regarding customer
relations; market research and studies; opinion polls,
surveys and customer satisfaction surveys; analysis and
processing of data obtained during market studies and
consumer behavior studies; compilation of statistics;
newspaper subscription services (for third parties);
organization and conducting (hosting) of congresses,
colloquiums, seminars, conferences, exhibitions, shows,
contests, sports competitions for commercial or advertising
purposes; advertising; online advertising on a computer
communication network; distribution of prospectuses, of
samples; advertising, commercial canvassing for the
dissemination of securities; rental of advertising time,
advertising space and advertising material on all
communication media; publication of advertising texts;
dissemination of advertisements and advertising material;
price comparison services; tracking, analyzing, forecasting
and reporting the behavior of card holders; preparation of
statements of accounts; public relations; management of
financial records; office machine and equipment rental;
sponsorship search; information, advisory and consultancy
services regarding all the aforesaid services
36
Insurance services; life insurance underwriting; insurance
consultancy; insurance information; financial affairs;
financial information; financial operations; banking
affairs; banking services; financial and banking
management; savings bank services; monetary affairs;
monetary operations; real estate affairs; credit agency
services; credit consolidation services; debt collection
agencies; provident fund services; home banking; payment
card services; debit card services; services provided by
loyalty cards associated with a payment, credit or debit
function, providing commercial or financial benefits;
issuing of travelers' checks or credit cards; gift voucher
services; real estate appraisals; real property
management; financing services; surety services; financial
analysis; raising or investing capital; financial
consultancy; financial evaluation (insurance, banking, real
estate); fund investment; mutual funds; payment of funds
[financial payment services]; electronic transfer of funds;
money transfer services; electronic transfer of capital;
payment services, particularly electronic payments; stock
exchange quotations; brokerage; brokerage of carbon
credits; securities brokerage; insurance brokerage;
deposits of valuables; management of securities, namely
research and prospecting of financial markets and management
of securities; lease-purchase financing; foreign currency
exchange services; conducting of financial transactions;
installment loans; financial loans; lending against
security; check verification; financial sponsorship;
electronic purse services, in particular for the purchase of
products and services on any communication network;
electronic transaction settlement and authorization
services; transfer and reconciliation of financial
transactions via a global computer network; banking and
financial services via a global computer network; asset
management; estate management services; insurance and
reinsurance services in all fields; insurance and financial
services by telephone; money order services; automatic
teller machine services; direct transfer of funds into
customer bank accounts; automated clearing house deposit and
exchange services; actuarial services; fundraising
services; charitable fundraising; debt advice; factoring;
mortgage banking operations; safe deposit services; stamp
appraisal; all these services may be provided via the
Internet